Relationship Banking Officer

Overview

You are responsible for providing an AMAZING customer experience to Profinium customers. You help customers achieve their dreams & build lasting relationships. You will help the organization to provide service to our customers, deepen existing customer relationships & create new customer relationships. You make recommendations for improving banking functions & products to create an AMAZING client experience!

Customer Service - 50%

• You provide a high level of customer service, including greeting walk-in customers & answering incoming calls in a friendly, professional manner.
• You perform paying & receiving functions for customers. This will include cashing checks, taking deposits, withdrawals, mortgage, consumer loan & other payments. Additionally, you may provide official checks & help customers with other transaction services.
• You are fully proficient with assisting customers with their current account needs. This includes checking, savings, certificates, safety deposit boxes, IRA’s & HSA’s, Trusts, Estates, Fiduciaries.
• You provide a high level of customer service, are proficient and knowledgeable of the bank products offered, allowing you to understand & service the customer’s needs.
• You ensure that the assigned cash balances on a daily basis, is kept secure at all times & must keep cash drawer within assigned drawer limits.
• You understand & comply with the related laws & compliance regulations that pertain to all of your duties. Examples include bank secrecy act, privacy, & funds availability policy.
• You recognize any suspicious behavior & have the ability to make decisions when to consult management on any transactions.

REA:
Retain/Expand/Attract - 40%

• You successfully retain, expand & attract clients to Profinium’s products & services. This may include expanding account relationships with existing clients, attracting prospects to the bank & participating in joint calls with our partners. This effort may include contacting clients by phone, mail, email & in person to ask for account relationships.
• You assist clients with providing recommendations to meet their banking needs, to include opening new accounts.
• You recommend policy/procedure enhancements to better serve customers & coworkers.
• You assist clients with credit card lending, ready reserves & lending, including real estate lending.
• You are responsible for understanding & generating quality credit within guidelines set by bank policy & individual lending authority to reach growth targets.
• You understand & effectively apply selling techniques to open, develop & close a sale. You must also be able to create interest in a product & actively cross-sell other products & services.
• You achieve personal goals set by you & your Manager.
• You achieve Team Partnership (referral) results based on annual targets communicated by your Manager.
• You assist in the successful achievement of goals set for the Branch and Bank as defined by the bank’s annual organizational objectives.
• You have a thorough understanding of current market trends/conditions.
• You have a thorough understanding of the various products & services the bank offers & effectively communicate the value of those services & products to the client or introduce them to the appropriate expert.

Other - 10%

• You assess emerging issues & potential liabilities.
• You have a thorough understanding of the compliance function & provide support in this area when needed.
• You are an established leader among peers & serve as the backup to the manager when needed.
• You are an effective trainer of Relationship Banking Products & Procedures.
• You have the knowledge & authority to approve wires, official checks, ACHs & like as outlined in the Bank’s approval authority policy.
• As a part of the overall team of bank employees, you may be requested to assist in the support of other bank activities.
• You promote the AMAZING positive & energetic environment at Profinium by embracing our Purpose, Pledge & Pursuits (P3’s) & Core Values to guide your behavior.

Customer Oriented - Attention to Detail – Oral/Written Communication – Adaptable – Problem Solving - Dependable – Technology Driven – Sales Skills –…